HABITAT INVESDRE
ActiveFor the legal form of HABITAT INVESDRE, Checked does not compute a bankruptcy probability. The 2025 annual accounts show equity of €2.85M and a net result of €27k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 77% of 14079 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy▲ +2 vs 2024
The score weighs solvency, liquidity, profitability and financial development. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+2
Solvency92▲+1
Growth78=
Track record100
Credit verdict
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 17.94 in 2024; short-term debt: 7.3% and cash: 0.5% of total assets), and 33% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
34 d early
2023
40 d early
2022
19 d early
2021
3 d late
2020
24 d late
2019
91 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.85M▲ 14.6%
2024 · €2.49M
2018: €290k
2019: €445k
2020: €487k
2021: €713k
2022: €1.02M
2023: €1.05M
2024: €2.49M
2018 → 2025
Total assets
€4.26M▲ 13.3%
2024 · €3.76M
2018: €338k
2019: €463k
2020: €501k
2021: €966k
2022: €1.78M
2023: €1.89M
2024: €3.76M
2018 → 2025
Net result
€27k▲ 94.4%
2024 · €14k
2018: €-5k
2019: €12k
2020: €3k
2021: €4k
2022: €13k
2023: €6k
2024: €14k
2018 → 2025
Working capital
€544k▼ 56.1%
2024 · €1.24M
2018: €48k
2019: €22k
2020: €40k
2021: €185k
2022: €278k
2023: €35k
2024: €1.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€713k-€1.02M▲ 43.1%€1.05M▲ 2.6%€2.49M▲ 138%€2.85M▲ 14.6%
Operating result€6k-€17k▲ 159%€-573€11k€28k▲ 151%
Net result€4k-€13k▲ 210%€6k▼ 52.8%€14k▲ 129%€27k▲ 94.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 151% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.26M
Fixed assets
€3.40M▲ 39.1%
Current assets
€854k▼ 34.9%
Equity and liabilities €4.26M
Equity
€2.85M▲ 14.6%
Provisions
€554k▲ 11.3%
Debt
€852k▲ 10.3%
The debt ratio falls from 20.5% to 20.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €64k
Cash flow
€82k▲
2024 · €67k
Solvency
67.0%▲
2024 · 66.2%
Current ratio
2.76▼
2024 · 17.94
Quick ratio
2.76▼
2024 · 17.94
Debt / equity
0.30▼
2024 · 0.31
ROE
0.9%▲
2024 · 0.5%
ROA
0.6%▲
2024 · 0.4%
Interest coverage
6.47▲
2024 · 5.80
Debt
€852k▲
2024 · €772k
Debt ≤ 1 year
€310k▲
2024 · €73k
Debt > 1 year
€483k▼
2024 · €505k
Income taxes
€10k▲
2024 · €5k
Staff costs
€128k▲
2024 · €108k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.76M€4.26M▲
Formation expenses20€2k€1k▼
Fixed assets21/28€2.45M€3.40M▲
Tangible fixed assets22/27€2.44M€3.40M▲
Land and buildings22€1.70M€2.51M▲
Furniture and vehicles24€920€496▼
Other tangible fixed assets26€64k€62k▼
Assets under construction and advance payments27€681k€819k▲
Financial fixed assets28€4k€7k▲
Current assets29/58€1.31M€854k▼
Amounts receivable after more than one year29€668k€650k▼
Other amounts receivable291€668k€650k▼
Amounts receivable within one year40/41€189k€127k▼
Trade receivables40-€8k
Other amounts receivable41€189k€119k▼
Current investments50/53€396k€39k▼
Cash at bank and in hand54/58€42k€23k▼
Deferred charges and accrued income490/1€17k€14k▼
Equity and liabilities
Total equity and liabilities10/49€3.76M€4.26M▲
Equity10/15€2.49M€2.85M▲
Contributions10/11€986k€1.17M▲
Reserves13€351€351=
Non-distributable reserves130/1€351€351=
Reserves not available under the articles1311€351€351=
Profit (loss) carried forward14€9k€24k▲
Investment grants15€1.49M€1.66M▲
Provisions and deferred taxes16€498k€554k▲
Deferred taxes168€498k€554k▲
Amounts payable17/49€772k€852k▲
Amounts payable after more than one year17€505k€483k▼
Financial debts170/4€505k€483k▼
Amounts payable within one year42/48€73k€310k▲
Current portion of amounts payable after more than one year42€33k€34k▲
Financial debts43-€190k
Credit institutions430/8-€190k
Trade debts44€2k€43k▲
Suppliers440/4€2k€43k▲
Taxes, remuneration and social security45€21k€21k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€19k€18k▼
Other amounts payable47/48€18k€21k▲
Accrued charges and deferred income492/3€193k€59k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€108k€128k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€55k▲
Other operating charges640/8€9k€20k▲
Non-recurring operating charges66A€36k-
Gross operating margin9900€218k€232k▲
Operating profit (loss)9901€11k€28k▲
Financial income75/76B€15k€16k▲
Recurring financial income75€15k€16k▲
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€15k€32k▲
Transfer from deferred taxes780€3k€5k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€14k€27k▲
Profit (loss) for the period to be appropriated9905€14k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€36k▲
Profit (loss) brought forward from the previous period14P€6k€9k▲
Profit to be distributed694/7€11k€12k▲
Return on contributions (dividend)694€11k€12k▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €27k ▲94.4%
Operating result €28k, net result €27k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 13current ratio 17.94
Current ratio from 1.39 to 17.94; short-term debt falls from €90k to €73k.
31-12
Financial
Equity above €2MEq €2.49M ▲138%
6 profitable years in a row build equity to €2.49M.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1MEq €1.02M ▲43.1%
4 profitable years in a row build equity to €1.02M.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Equity above €500kEq €713k ▲46.6%
3 profitable years in a row build equity to €713k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 21.24
Current ratio from 6.90 to 21.24; short-term debt falls from €4k to €2k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
12-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 104 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
21-05-2024
Jacques Absil: Resigned as Director
28-04-2023
Jean-Benoît MUTSERS: Resigned as Director
20-04-2023
Frédéric JADIN: Resigned as Director
02-03-2023
KARYDAS loannis: Resigned as Director
24-04-2021
Paul REUL: Resigned as Director
27-11-2020
SMEETS Adelin: Resigned as Director
28-04-2018
DORMAL Benjamin: Resigned as Director
13-09-2017
CROQUET René-Philippe: Resigned as Director
Location & real-estate footprint
Registered office, Verviers · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Laoureux 294800 VerviersGround area
785 m²
Building footprint
75 m²
Volume, LiDAR
632 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HABITAT INVESDRE
since 20152.247.347.963
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63572C0168/00S028 | Wallonia | 511 m² | 1 · 75 m² | 10.1 m · 3 fl. |
| 63079D0188/00Y003 | Wallonia | 273 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 3,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid met een sociaal oogmerk
Founded17-07-2015
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.